Verdict
Card review · EU/UK
Shift112/180
Full queueThreshold
VRD-4832R4Severe

$1,249.00 at Northwind Audio, case VRD-4832, risk band 4

Northwind Audio · Consumer electronics · flagged 4 min ago

In your queue becausethe score of 87 is at or above the 68 threshold.

Authorisation expires in47 minNo decision means it lapses

Model score

The model is confident, placing the true value between 79 and 92. That is a 13-point spread.

R1Low0–39
R2Moderate40–64
R3Elevated65–84
R4 (this case)Severe85–100
Score, 87Confidence, 79–92Threshold, 68

What the model saw

strongest first

  • Card added 11 minutes before checkout

    payment First use on this account

  • Device shared with 3 other accounts

    device Two were declined in the last 48 hours

  • IP country does not match billing country

    geography Romania vs Brazil

  • Fourth attempt on this merchant in 20 minutes

    velocity Three prior attempts declined

  • Email domain registered this month

    identity mailbox created 9 days ago

  • Shipping address matches a prior clean order

    history Different customer, same building

5 signals argued for declining, 1 argued for the customer.

Who is buying

Customer

Name
D. Ramanathan
Account
New, opened 6 days ago
History
1 order, 0 disputes
Spend to date
$0.00

Card

Number
Visa ···· 4417
Issuer
Banco Itaú, BR
On file
Added 11 minutes ago

Device

Fingerprint
d7f2·a19c·4b08
Platform
Windows 11 · Chrome 129
Address
185.220.101.42 RO, card issued in BR
Shared
3 other accounts

Also in this queue

What happened

  1. 20 min ago

    First attempt

    Declined by issuer, code 05

  2. 16 min ago

    Second attempt

    Different card, same device

  3. 11 min ago

    Card 4417 added

    New to this account

  4. 4 min ago

    Order placed

    $1,249.00 · expedited shipping

  5. 4 min ago

    Flagged for review

    Score 87, above the 68 threshold

Decisions commit straight away. You get six seconds to take one back.